Wednesday, January 10, 2007

Tu palabra es tu bien más valioso

Si hay algo que Guida odia casi tanto como la ineficiencia, es el incumplimiento. Cómo reniega cuando alguien dice que va a hacer algo y finalmente no lo hace. “¡Pero es su palabra!”, suele decir, “si digo que voy a hacer A, entonces hago A.” Y bueno, razón no le falta en absoluto y el problema es que la gran mayoría estamos acostumbrados a decir y no hacer. Es facilísimo decir cuando nos apremian. . uyyy . . ahorita . . ahorita lo hago . . o ¡mañana sin falta! Cuando realmente no tenemos la menor idea de si podrá ser así, o peor aun, cuando estamos segurísimos que mañana algo nuevo tendremos que decir para excusarnos. Nos gusta patear el problema. Lo peor es que no vemos que eso nos daña, perjudica nuestra imagen, nuestra credibilidad. Y todos deben saberlo, muchas veces no hay nada más vital que tu credibilidad. Lo de “Pedrito y el Lobo” no es solo una fábula, ¡es la purita verdad! No es tan difícil organizarnos, pero aun así no nos gusta hacerlo. Es triste que para los peruanos no nos sea extraño ver unas colotas en algunos sitios y enterarnos que es último día para tramitar tal documento o último día para tal otra cosa.

Guida hace unos días me decía, cuando pasábamos frente una caja de Ripley que tenía una propaganda que decía “Pague cero este mes”: “¿qué felicidad podría producirme el no pagar este mes? Acaso quiere decir que no voy a pagar? ¡Me lo van a cargar para el siguiente mes y con intereses!” Mi gorda es simple en ese sentido. Su filosofía es: Las obligaciones se cumplen en su momento, y si sé que no tendré, no me comprometo, y si hay alguna emergencia, entonces con antelación me acerco a conversar soluciones. No espero a que me busquen. En ese sentido se parece a mi padre, quien nunca en su vida, pudiendo tenerlas, ha tenido una sola tarjeta de crédito. Es enemigo de los créditos. Siempre dice, si quiero algo, verifico con mi bolsillo, si hay, bien, si no, para más adelante será. Pero no todos somos así. Nos gusta el crédito, el poder pagar algo ahora con la tarjetita, y ya luego nos preocuparemos de cómo pagarlo. Ahora se disfruta, después uno se preocupa. Esa pareciera ser la idea. Ahora me pongo a pensar que en mi vida he conocido a muchas personas con n tarjetas. Ripley Saga, Visa, Mastercard, Diners, American Express, Curacao, Carsa, Metro, Plaza Vea . . en fin . . . pareciera que es su hobbie coleccionar las tarjetas como figuritas. Y es más, si un mes no pueden pagar Saga, sacan de Ripley efectivo a cuotas, para ir y pagar Saga. Hace unos días me encontré en el banco con un amigo de infancia que estaba con su esposa haciendo trámites. Conversando, me cuenta que entre él y su esposa tienen 10 tarjetas. Y que estaban en el banco cerrando algunas, pues otro banco había comprado todas sus deudas. Otra manera de salvar la situación muy usada. Las entidades financieras conocen perfectamente de nuestras malas costumbres, por eso es que ofrecen todas estas alternativas de soluciones engañosas, o de patear el problema. Que en su momento se sienten como un alivio y como una formad e solucionar los problemas. Y que será asi para quien realmente decida corregir sus errores y dejar de recibir notificaciones de atraso casi a diario a su casa y por fin pagar todo. Pero no para quienes no se corrigen y al timepo viendose liberados de todos los apremios, vuelvan a la carga con endeudarse. Por eso es que si eres una persona que compra con su tarjeta a una cuota, y pagas siempre puntual, para el banco eres un apestado. Te respeta si, te dará mayores créditos, pero si mantienes esa política, no serás su público objetivo, pues aunque se cuiden mucho de los malos pagadores a la hora de dar créditos, lo que les conviene es que seas mal pagador, pero no tanto, lo suficiente como para atrasarte, te compren deudas, compres a 36 cuotas, aplaces pagos y termines pagando los 300 soles que te prestaron mas 500 de intereses, moras y gastos de cobranza. Es ahí cuando te conviertes en su engreído.

Debemos pensar antes de actuar para todo en la vida. A eso podemos completarlo con, debemos pensar, planear y luego actuar. Es difícil el proceso de cambiar, créanme, a mi me está costando horrores cambiar muchos defectos que tengo. Pero es gratificante ver los resultados, por muy frustrante que sea limpiar tu imagen con alguien a quien le hayas fallado y que sea reticente para volver a confiar en ti, en tu palabra o en tu calidad de trabajo. Que eso no te amilane, sé paciente. Todo lo que en la vida se hace con paciencia y perseverancia tiene su fruto y recompensa. No patees problemas, no asumas obligaciones que sabes que no podrás afrontar luego, por muy desesperado que estés. No es la idea no tomar créditos. (Dios sabe que no podré comprar mi casita sin un crédito) pero nunca asumas créditos imposibles de cumplir o que nada deba ocurrir para que todo esté en equilibrio. Nunca uno está libre de emergencias, accidentes y demás. Siempre hay que dejar campo a las emergencias. Olvídate del “si todo sale bien” o “si todo sale como planeado”. ¡Casi nunca pasa eso! Alguna vez me dijeron esto: “Nunca amenaces ni prometas algo que sabes que no podrás cumplir”. Me lo dijeron en un contexto de educación de los hijos, pero creo que se aplica a todo en la vida. Por que toma mucho tiempo crear confianza en los demás por nosotros, pero toma tan solo una sola acción para destruirla. Puedes tomar o no estos consejos que vienen te lo puedo asegurar de alguien que los va aprendiendo, a veces a la mala, de sus errores, (No me he olvidado de ti chino! ya arreglamos! jaja) y no de alguien que nunca los cometió.

53 Comments:

Blogger Ferípula said...

Donde trabajo le enseñamos a los niños "la palabra tiene valor".

Una y mil veces, a veces la primer palabrita....y ellos terminan la frase. Tiene 7 años...salvaremos a esta generación?????

^^^^^^^^^^^^^^^^^^^^^^
Estoy con un tema de políticos en el blog...querés opinar????

Un abrazo!

Ferip

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